Working Hours
  • Mon 9:00AM - 5:00PM
    Tue 9:00AM - 5:00PM
  • Wed 9:00AM - 5:00PM
    Thu 9:00AM - 5:00PM
  • Fri 9:00AM - 5:00PM
    Sat 9:00AM - 5:00PM
  • Sun Closed
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540-628-0100 | 198 Tyler Von Way

INSURANCE QUESTIONS

INSURANCE QUESTIONS, Fredericksburg, VA

Know Your Rights

Dealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works. Here are some answers to frequently-asked questions about insurance policies.

Will the insurance company guarantee your work?

We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party's work.

Who pays for repairs?

It depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.

Do I have to accept the insurance company's appraisal of damage?

No. Check the "Appraisal Clause" in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party "Umpire" if you cannot agree.

Do I have the right to a rental car?

If you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company.

If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.

Want more information on your rights? To make an appointment, call us at 540-628-0100 or make an appointment online!


What Our Customers Are Saying

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Need a car it's the place to go

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Mike and ALex are the most professional people to deal with Mike was awesome great personality and the rest of the crew also that works at Auto Chiefs . My drive was worth meeting the the crew I would recommend Auto Chief to anyone local & abroad . Service is the best you will ever find at Auto Chiefs and I love my Nissan thank you Auto Chiefs .

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This place is a goldmine for automotive repairs. The only place I have been to where the staff gives you honesty. A rare treat in that industry. There have been so many times where they have reviewed my vehicle's issues and gave me realistic notices about the repair work. One example: The transmission in my old car was slipping. They diagnosed the issue and advised me against the repair on the car to avoid me putting money into a vehicle, that based off its age, would be back in the shop a year later for another major repair. No other shop I 've been to would have turn down work for the sake of their customer's wallet. I highly recommend this place.

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Absolutely love this place. Good selection GREAT PRICES AND FRIENDLY PLEASE PEOPLE!!!!!

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Love these guys. I take my motorcycle to them every year to prep for the summer, do my upgrades and general maintenance. They have never failed me. They have a very friendly staff, very knowledgeable mechanics great prices. I would highly recommend them to everyone.

  • ASE (Automotive Service Excellence)
  • Jasper
  • ASE Master Technician
  • BG Products
  • Rough Country
  • Car Care Aware
  • Call Us For Service: 540-628-0100